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Find the right products for you

Look after your family with SunLife, sponsors of Big Star’s Little Star

Over 50 Life Insurance

The Guaranteed Over 50 Plan is the UK’s No 1 choice^ for over 50 life insurance. It’s a simple and affordable way to leave a cash sum as a gift for your loved ones, or to help pay towards funeral costs.

The Guaranteed Over 50 Plan now offers you more for the same monthly premium**

The Plan provides a cash sum for loved ones, on your death after the first two years

If you're aged 50-85 we guarantee to accept you, with no medical

Premiums start from just £4 a month, the lowest you’ll find in the market†

Life Insurance

Wouldn’t you like to know a cash sum of up to £500,000 could be paid for your family if the worst happened to you? Family Life Insurance is a straightforward way of doing this, helping to ensure life goes on.

Funeral Plans

A funeral plan can help you to plan and pay for your funeral in advance, giving your loved ones less to worry about. You can choose to pay in one go with a single payment or, if you prefer, monthly with life insurance.

A funeral plan is quick and easy to arrange

You can choose from three different funeral plans

There are two different ways to pay - find an option to suit your budget

Open a My Smarter (New ISA)

Are you ready to invest?

You are looking to invest for the medium to long term. This means at least 5 years and ideally 10 or more.

You have not yet used your full £15,000 ISA allowance or invested in another stocks and shares ISA for the tax year 2014/15.

You are comfortable that the value of your My Smarter (New ISA) can go down as well as up, and that you could get back less than you paid in.

You accept Scottish Friendly's charge to manage the With-Profits fund, which is currently 1.5% of the value of your New ISA and is deducted each year.

Speed up your application

Applying for your My Smarter (New ISA) should only take a few minutes. To make the application as straightforward as possible, it will help to have the following information to hand:

Your bank account number and sort code

Your National Insurance number - ISAs are tax efficient with limits set by HMRC. HMRC requires your National Insurance number to be recorded

Can't find your National Insurance number? Look on your pay slip, P60 or tax return. But please don't worry if you can't find it now. You can apply without it and then give it to Scottish Friendly later.

Important documents to read:

Before applying for your My Smarter (New ISA), please download and read these important documents.

Why choose SunLife?

We believe that everyone in the UK should have access to straightforward and affordable financial products. We hate jargon, so we’re cutting through the financial clutter with products that are easy to understand and apply for. We don’t give advice but our friendly staff, in our UK call centres are here to support you every step of the way. But don’t just take our word for it. Our customers have rated us the best financial services company*- so we must be doing something right.

Our brand has been built on solid foundations. We’ve been helping people get the most out of life for over 200 years and we’re also part of AXA, one of the biggest insurance companies in the world. We’ve also partnered with some other great organisations so that we can offer more products and more peace of mind, to even more people.

Life’s what you make it - and we’re here to help you make the most of it.

Savings calculator

Discover how much you could save in 10 years by telling us a little about your weekly spending habits.

About who we are

Watch our video to discover how we’re helping people make the most of their lives

5 star service

98% of customers stated they are satisfied with the way Sun Life Direct handled the whole process from their initial enquiry to setting up their Plan.

Source: SunLife Continuous Research Program, New Policyholders June 2014, based on a sample of 150 new policyholders.

^Most popular whole of life guaranteed acceptance plan bought directly. ABI statistics - 12 months up to 30th September 2014.

†£4 is the lowest premium on the market for this type of product as at 12th December 2014.

*Source: In 2014, Critical Research conducted research on behalf of SunLife. They anonymously asked SunLife customers to name the financial services company they considered best in terms of product quality, value and customer care. More respondents named SunLife than any other brand.

**All customers who take out a new Plan will receive a bigger cash sum, for the same age and premium, than if they had taken out a Plan between 1st Jan 2013 and 1st Jan 2015. This excludes a special offer period from 1st Aug 2014 - 30th Nov 2014 when the cash sums available may have been bigger or smaller than the current cash sums for the same age and premium.

Legal and regulatory information

Here's the information that you need to know about who we are and the other companies that we work with in order to provide our products and services.

Who are SunLife?

AXA Wealth Ltd trades as SunLife and is the provider of the Guaranteed Over 50 Plan, SunLife Insurance and the life insurance policy payment option for Funeral Plans. AXA Wealth Ltd is limited by shares and the registered office is at 5 Old Broad Street, London EC2N 1AD (registered in England, No. 01225468). AXA Wealth Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. AXA Wealth Ltd is entered on the Financial Services Register (registration no. 119201).

AXA Wealth Services Ltd distributes financial products and services and trades as SunLife. AXA Wealth Services Ltd is a company limited by shares and the registered office is at 5 Old Broad Street, London EC2N 1AD (registered in England, no. 02238458). AXA Wealth Services Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (registration no. 465753).

You can contact us by post at SunLife, PO Box 446, Bristol, BS99 1DR or by phone at on 08458 35 36 37. As part of our commitment to quality service and security, calls may be recorded.

If you choose to add funeral benefit option to your Guaranteed Over 50 Plan, the funeral services are arranged by a funeral director selected by Golden Charter Ltd. Golden Charter Ltd are not required to be authorised or regulated by the Financial Conduct Authority or the Prudential Regulation Authority in relation to funeral plans but are registered providers with the Funeral Planning Authority.

Who provides the Funeral Plans?

The funeral services are arranged by a funeral director selected by Golden Charter Ltd. Golden Charter Ltd are not required to be authorised or regulated by the Financial Conduct Authority or the Prudential Regulation Authority in relation to funeral plans but are registered providers with the Funeral Planning Authority.

If you choose to pay for your funeral in one go, with a single payment, you will have a contract with Golden Charter. The funeral services will be arranged by a funeral director selected by Golden Charter Ltd.

If you choose to pay for your funeral with a life insurance policy, the policy will be provided by AXA Wealth Ltd, trading as SunLife. The funeral services will be arranged by a funeral director selected by Golden Charter Ltd.

Hugh James is authorised and regulated by the Solicitors Regulation Authority (SRA Number:303202).

The information contained on this website is based on Hugh James' understanding of the law of intestacy in England and Wales only as at April 2014. The law in Scotland and Northern Ireland is significantly different. This is for information purposes and is not intended to be legal advice.

Who provides Family Life Insurance?

SunLife Family Life Insurance is provided by Scottish Friendly Assurance Society Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Details can be found on the Financial Services register (registration number 110002). Registered Office: Scottish Friendly House, 16 Blythswood Square, Glasgow G2 4HJ.